How to choose a dentist
- Check they are in-network with your exact plan (see our insurance guide).
- Confirm their license with your state dental board.
- Look for clear pricing, a written treatment plan and options to phase treatment.
- Ask about new-patient specials and free consultations for bigger treatment.
- For children, consider a pediatric dentist; see kids’ dental care and CHIP.
Common treatments, in plain English
| Treatment | What it is | Typical insurance category |
|---|---|---|
| Exam & cleaning | Check-up and professional cleaning | Preventive |
| Filling | Repairs a cavity | Basic |
| Root canal | Treats infected tooth pulp | Basic or major (varies) |
| Crown | Cap that covers a damaged tooth | Major |
| Implant | Replaces a missing tooth root | Major (often limited) |
Categories differ between plans. Check your summary of benefits.
Keeping costs down
- Use your preventive benefits: twice-yearly check-ups catch problems early.
- Ask for a pre-treatment estimate for anything major.
- Time treatment around your plan’s annual maximum, which often resets each January.
- Use HSA/FSA funds for eligible care (see HSA changes).
- No insurance? Compare dental savings plans and low-cost options.
Last updated: 15 October 2026
